Mortgage Refinance

Get Better Terms for Your Mortgage with Step Down Refinancing

Refinancing your mortgage can be a powerful method to reduce monthly payments, lower interest rates, or consolidate debt, putting you back in control of your finances.

Our expert team at Seattle’s Mortgage Broker will guide you through your refinancing options to help you make the most of your financial future.

Set Yourself Up for a Better Financial Future with Seattle’s Mortgage Broker

Every Homeowner Situation is Unique

At Seattle’s Mortgage Broker, we understand that every homeowner's situation changes over time, and the need to refinance can arise when you least expect it.

That's why we're thrilled to introduce our Step Down Refinance Program that is designed to save you money and give you the financial flexibility you deserve.

How Step Down Refinancing Works

Refinance with us, and we'll cover the standard and customary APR fees*, as listed on Line D of your Final Closing Disclosure, every time you refinance.

This exclusive benefit is available to you for the life of your loan with us, ensuring you can optimize your mortgage whenever it makes sense for you.

*We are not able to pay Discount Points to buy down your rate.
*This offer is only available on approved credit.
*This also does not include the Funding Fee for government loans.

Our Simple Qualification

If you’re eager to reduce your interest payments or shorten your loan term, this program is designed for you.

Here’s all you need to qualify:

Make 6 on-time payments to activate your eligibility.

Refinancing before the 6-month mark will disqualify you from the program.

As long as you follow the program’s guidelines, you’ll be able to refinance whenever you need with lower costs, the entire time you own the home.

New clients with Seattle’s Mortgage Broker can refinance without needing to wait!

When Should You Refinance?

Many people mistakenly believe that refinancing is only beneficial if there’s a 1% reduction in interest rates.

Our strategic refinancing options help you lower your monthly payments and reduce overall interest expenses without significantly increasing your principal balance.

Trust Seattle’s Mortgage Broker as Your Expert

Our team of experienced professionals is committed to delivering personalized service that aligns with your unique financial situation.

We guide you through the refinancing process with transparency and expertise, ensuring you make informed decisions that enhance your financial security.

Our Refinancing Process

You Make 6 On-Time Payments

To qualify for the program, simply make your first six payments on time. This demonstrates your commitment and activates your eligibility for Step Down Refinances for the time you own the home.

We Cover the Fees

Through our unique partnership with lenders, we receive a commission that allows us to cover the standard APR costs typically associated with refinancing*. This means you can refinance as often as needed without worrying about those extra costs.

*We are not able to pay Discount Points to buy down your rate.
This also does not include the Funding Fee for government loans.

Refinance to Save More

Whether rates drop, or your financial situation changes, refinancing with us allows you to take advantage of lower rates or even shorten your loan term without adding massive APR costs to your loan balance. Save on interest charges and pay off your home sooner

Secure Financing

Enjoy the peace of mind that comes with transparent, predictable costs. As long as you continue to make your payments on time and wait at least 6 months between refinances, you’ll always qualify for this program.

Realtors: Offer Your Clients Service That Focuses on Their Financial Health

This is a fantastic opportunity to add value to your services by introducing your clients to a mortgage company that truly looks out for their long-term financial health.

Hiring Joe was like teaming up with a friend rather than a lender. He is very personable as mortgage lenders go and eager to help you out. My wife felt great after the praise he gave her for how quickly she got the information he needed together. There's just a feel-good factor you get working with this guy. He really lifted her spirits.

His knowledge of the mortgage space is second to none. He knew exactly what questions to ask, and there was very little turnaround time. To top it off, we even got a lower interest rate than we initially thought, thanks to him. Joe is a lender who just knows the business inside and out.

My wife and I are so grateful we had a great team behind us while finally buying our forever home! We were so impressed with him.

Josh Nealey

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Experience the Difference: Refinance with Seattle’s Trusted Experts

At Seattle's Mortgage Broker, we go beyond just securing lower rates, we create a refinancing experience designed around your unique needs and goals.

Ready to experience the difference? Let’s get started!